Skip to content
Esc

US federal income tax calculator

IRS Rev. Proc. 2025-32 tables

Enter your income and filing status to see your federal income tax for 2026 or 2025, worked out from the IRS brackets and standard deduction, with your effective rate, top bracket and the tax owed in each bracket.

Try:
$
Wages, salary and other ordinary income for the year
$
Leave empty for the standard deduction; the larger one is used

Fill in the fields to see the result.

How to use it

  1. Enter your gross income for the year and pick your filing status.
  2. Add itemized deductions only if they are more than the standard deduction; the larger one is used.
  3. Read the tax, effective rate and bracket table. Copy the result or download the brackets as CSV.

Details

2026 standard deduction
$16,100 single, $32,200 married filing jointly, $24,150 head of household
2026 brackets
10%, 12%, 22%, 24%, 32%, 35%, 37%
Source
IRS Rev. Proc. 2025-32 (2026) and Rev. Proc. 2024-40 with the OBBBA changes (2025)
Not included
Credits, AMT, capital-gains rates, FICA and state tax

Questions

What is the difference between effective and marginal rate?

Your marginal rate is the rate on your last dollar, the top bracket you reach. Your effective rate is total tax divided by gross income, which is always lower because the first dollars are taxed at 10% and 12%.

Does moving into a higher bracket mean all my income is taxed more?

No. Only the part of taxable income inside the higher bracket pays the higher rate. The bracket table shows this line by line.

Why is my real tax different?

This estimates federal income tax on ordinary income. Credits such as the child tax credit or EITC, the temporary senior deduction, capital gains rates, AMT, payroll tax and state tax are not included. Check IRS.gov or a tax professional before filing.

Which year should I pick?

2025 is the return you file in early 2026. 2026 is for planning this year's withholding and the return you file in 2027.

Is what I type sent anywhere?

No. The calculation runs in this browser tab with the same code our MCP server uses. Nothing you type is sent to a server or saved, apart from settings like filing status, which stay in this browser.

Can an AI agent use this?

Yes. The same function is a tool on our free MCP server at tools.cuelark.com/mcp, so ChatGPT, Claude or Cursor get exactly the answer this page shows. 'Copy MCP call' gives you the arguments.